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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $422,940 | $202,440+108.9% | $169,390+149.7% | $139,466+203.3% |
| Participation rate | 100.0% | 81.1%+18.9pp | 77.2%+22.8pp | 80.3%+19.7pp |
| Annual return | 28.83% | 532.36%-503.5pp | 406.07%-377.2pp | 373.66%-344.8pp |
| Employer contribution / active EE | $26,418 | $4,693+462.9% | $4,013+558.4% | $4,754+455.7% |
| Participant deferral / active EE | $30,000 | $6,940+332.3% | $6,222+382.1% | $6,712+347.0% |
| Admin fee / account holder | $3,440 | $10,722-67.9% | $9,015-61.8% | $11,409-69.8% |